What way does it count if a creditor doesn't vote?

Thanks to you all for such informative replies.

i understand some creditors are known to reject IVA agreements. Are Argos and Next in this category?

thx so much

thanks for the advice. could you share what the drawbacks are in a nutshell please, if that's possible?

thanks for both responses.
i'm considering trying for an iva because i'm splitting up with my partner. but if in the future we were able to get back together, or if i eventually meet someone else, i'm worried that i won't be an attractive option as a partner if i have an iva.

Hi
I'm still trying to weigh up my options from an informed position. can anyone advise if having an iva will mean my address is blacklisted, or if only i alone will be, rather than anyone who lives at the same address having their credit rating affected?
many thanks

thanks for the comments. might i not be able to have a paypal account either?

hi i'm brand new to investigating an iva and have some questions. if i apply for one, how long does it usually take to get agreement, and do i have to attend the creditors meeting with my ip? if so, how long does it normally take for this meeting? also, am i likely to have my contract iphone removed...